WO2015145366A1 - Procédé et dispositif permettant d'informer un abonné du solde disponible d'un compte d'argent mobile en itinérance - Google Patents

Procédé et dispositif permettant d'informer un abonné du solde disponible d'un compte d'argent mobile en itinérance Download PDF

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Publication number
WO2015145366A1
WO2015145366A1 PCT/IB2015/052187 IB2015052187W WO2015145366A1 WO 2015145366 A1 WO2015145366 A1 WO 2015145366A1 IB 2015052187 W IB2015052187 W IB 2015052187W WO 2015145366 A1 WO2015145366 A1 WO 2015145366A1
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WO
WIPO (PCT)
Prior art keywords
subscriber
network
mobile money
roaming
available balance
Prior art date
Application number
PCT/IB2015/052187
Other languages
English (en)
Inventor
Axaya Kansal
Original Assignee
Comviva Technologies Limited
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Comviva Technologies Limited filed Critical Comviva Technologies Limited
Publication of WO2015145366A1 publication Critical patent/WO2015145366A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/80—Rating or billing plans; Tariff determination aspects
    • H04M15/8038—Roaming or handoff
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/83—Notification aspects
    • H04M15/85—Notification aspects characterised by the type of condition triggering a notification
    • H04M15/854—Available credit
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/02—Coin-freed or check-freed systems, e.g. mobile- or card-operated phones, public telephones or booths
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/10—Account details or usage
    • H04M17/103—Account details or usage using SIMs (USIMs) or calling cards
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing

Definitions

  • the present invention relates to methods and system for use in mobile money transfer.
  • M-Pesa® mobile phone based payment and money transfer service
  • the service allows users to deposit money into an account stored on their cell phones on the basis of their mobile number, to send balances using SMS technology to other users (including sellers of goods and services), and to redeem deposits for regular money. Users are charged a small fee for sending and withdrawing money using the service.
  • M-Pesa has spread quickly, and has become the most successful mobile phone based financial service in the developing world. By 2012, a stock of about 17 million M-Pesa® accounts had been registered in Kenya.
  • the roaming is international roaming
  • the user will not be able to seamlessly know, without making efforts the current exchange rate and future trends of the exchange rates values that his/her mobile money can fetch him in a foreign country. It is envisaged that in future when usage of mobile money will increase and interoperability will start to take place between operators, such information will be very important for a roaming subscriber.
  • the present invention provides a method of informing a subscriber of an available balance in his/her mobile money account while roaming in a visited network, the mobile money account being maintained in a home network of the subscriber, said method comprising:
  • the present invention also provides a device for informing a subscriber of an available balance in a mobile money account while roaming in a visited network, the mobile money account being maintained in a home network of the subscriber, said method comprising: a detector for detecting details of the mobile money account corresponding to the subscriber;
  • a fetching means for fetching an available balance from the mobile money account corresponding to the subscriber
  • a transmitter for sending information about the available balance so as to be delivered to the subscriber in the visited network
  • detector and the fetching means are in operable interconnection with a mobile money system forming part of the home network of the subscriber and configured to perform the steps of detecting and fetching, respectively during a standard roaming network registration process.
  • Figure 1 shows flow chart corresponding to a first embodiment of the invention
  • FIG. 2 shows a detailed internal construction of the device in accordance with one embodiment of the present invention
  • FIG. 3 shows a detailed internal construction of the device in accordance with one embodiment of the present invention.
  • Figure 4 shows a flow chart along with the overall system configuration corresponding to a first embodiment of the invention.
  • Roaming Agreements In order to offer roaming services to subscribers, the operator need to put in place Roaming Agreements with each operator in each territory and in each country. While operators continuously engage in entering into such Roaming Agreements, these Roaming Agreements are targeted to providing basic roaming services, i.e. enabling the roaming subscriber to make and receive calls, send and receive SMS messages and to some extent access internet.
  • basic roaming services i.e. enabling the roaming subscriber to make and receive calls, send and receive SMS messages and to some extent access internet.
  • a subscriber attempts to register with the wireless communications system of the visited network by providing identification information (either directly or indirectly) to the visited networks' gateway mobile switching centre (GMSC).
  • the wireless communications system of the visited network includes a database of information that identifies other operators with whom operator of the visited network has a Roaming Agreement. Once it is determined that a Roaming Agreement is in place with the operator of the home network corresponding to the requesting subscriber, the GMSC of the visited network seeks permission from the GMSC of the home network to permit roaming.
  • the GMSC of the home network Upon satisfaction of predetermined criteria (which the operator of the home network may be prescribed), the GMSC of the home network responds to GMSC of the visited network with an authorization to permit roaming and other details, such as billing related information, a maximum limit for services to be provided (if any), a user profile, etc.
  • the authorization to permit roaming it updates its systems components (such as HLR, VLR, etc.) and sends a welcome message to the subscriber.
  • this message is sent from the Home SMSC.
  • the visiting SMSC can also originate a message separately on its network and send the same to the subscriber.
  • the welcome message informs to the subscriber the rates for calls, data roaming and messages.
  • the welcome message informs the subscriber of operator's free customer care number and the number for emergency services.
  • the Inventors have noticed that it will be in the interest of all parties to provide a method of informing a subscriber of an available balance in a mobile money account while roaming in the visited network by applying modifications to the roaming network registration process.
  • the present invention leverages the existing investments in roaming infrastructure without requiring any additional role from the visiting subscriber network including any need for mobile money systems of visiting network provider to talk to the mobile money systems of subscriber's home network or vice versa, either directly or through intermediaries or through any special arrangements.
  • the informational message contains the available mobile money balance in home network in the visited geography local currency. Additionally along with the above message latest FOREX trends between the home and local currency will be provided, when the user is roaming in a geography whose local currency differs from the home currency.
  • the present invention provides a method of informing a subscriber of an available balance in a mobile money account while roaming in a visited network, the mobile money account being maintained in a home network of the subscriber, said method comprising:
  • Step 120 detecting, by a mobile money system forming part of the home network of the subscriber, details of the mobile money account corresponding to the subscriber (Step 120); fetching, by a mobile money system forming part of the home network, an available balance from the mobile money account corresponding to the subscriber (Step 122); and
  • Step 124 sending information about the available balance so as to be delivered to the subscriber in the visited network (Step 124);
  • the invention further comprises receiving Mobile Subscriber Integrated Services Digital Network (MSISDN) number and/or Subscriber Identity Module (SIM) number of the subscriber (Step 132).
  • MSISDN Mobile Subscriber Integrated Services Digital Network
  • SIM Subscriber Identity Module
  • the invention further comprises receiving details of the visited network (Step 134).
  • the MSISDN number and/or the SIM number and/or the details of the visited network is received from a roaming server forming part of the home network.
  • the invention further comprises determining on the basis of the details of the visited network a currency used in the visited network (Step 136). In another embodiment, the invention further comprises obtaining a converted available balance, wherein the converted available balance is in the currency used in the visited network (Step 138).
  • step of sending information about the available balance includes the step of sending the converted available balance so as to be delivered to the subscriber in the visited network.
  • the invention further comprises obtaining information pertaining to exchange rate trends on the basis of the details of the visited network (Step 140).
  • the step of sending information about the available balance includes the step of sending the converted available balance along with the exchange rate trends so as to be delivered to the subscriber in the visited network.
  • the information is delivered to the subscriber in the visited network as part of a "roaming welcome message".
  • the independent message is in the form of a system generated Short Messaging Service (SMS) message.
  • SMS System generated Short Messaging Service
  • SMS system generated Short Messaging Service
  • the present invention also provides a device 200 for informing a subscriber of an available balance in a mobile money account while roaming in a visited network, the mobile money account being maintained in a home network of the subscriber, said method comprising:
  • a detector 202 for detecting details of the mobile money account corresponding to the subscriber
  • a fetching means 204 for fetching an available balance from the mobile money account corresponding to the subscriber
  • a transmitter 206 for sending information about the available balance so as to be delivered to the subscriber in the visited network
  • detector 202 and the fetching means 204 are in operable interconnection with a mobile money system forming part of the home network of the subscriber and configured to perform the steps of detecting and fetching, respectively during a standard roaming network registration process.
  • FIG 3 yet another typical hardware configuration of the device for informing the subscriber of an available balance in a mobile money account while roaming in the visited network in the form of a computer system 200 is shown.
  • the computer system 200 can include a set of instructions that can be executed to cause the computer system 200 to perform any one or more of the methods disclosed.
  • the computer system 200 may operate as a standalone device or may be connected, e.g., using a network, to other computer systems or peripheral devices.
  • the computer system 200 may operate in the capacity of a server or as a client user computer in a server-client user network environment, or as a peer computer system in a peer-to-peer (or distributed) network environment.
  • the computer system 200 can also be implemented as or incorporated into various devices, such as a personal computer (PC), a tablet PC, a set-top box (STB), a personal digital assistant (PDA), a mobile device, a palmtop computer, a laptop computer, a desktop computer, a communications device, a wireless telephone, a land-line telephone, a control system, a camera, a scanner, a facsimile machine, a printer, a pager, a personal trusted device, a web appliance, a network router, switch or bridge, or any other machine capable of executing a set of instructions (sequential or otherwise) that specify actions to be taken by that machine.
  • the term "system” shall also be taken to include any collection of
  • the computer system 200 may include a processor 302, e.g., a central processing unit (CPU), a graphics processing unit (GPU), or both.
  • the processor 302 may be a component in a variety of systems.
  • the processor 302 may be part of a standard personal computer or a workstation.
  • the processor 302 may be one or more general processors, digital signal processors, application specific integrated circuits, field programmable gate arrays, servers, networks, digital circuits, analog circuits, combinations thereof, or other now known or later developed devices for analyzing and processing data
  • the processor 302 may implement a software program, such as code generated manually (i.e., programmed).
  • the computer system 200 may include a memory 304, such as a memory 304 that can communicate via a bus 308.
  • the memory 304 may be a main memory, a static memory, or a dynamic memory.
  • the memory 304 may include, but is not limited to computer readable storage media such as various types of volatile and non-volatile storage media, including but not limited to random access memory, read-only memory, programmable read-only memory, electrically programmable read-only memory, electrically erasable read-only memory, flash memory, magnetic tape or disk, optical media and the like.
  • the memory 304 includes a cache or random access memory for the processor 302.
  • the memory 304 is separate from the processor 302, such as a cache memory of a processor, the system memory, or other memory.
  • the memory 304 may be an external storage device or database for storing data. Examples include a hard drive, compact disc (“CD”), digital video disc (“DVD”), memory card, memory stick, floppy disc, universal serial bus (“USB”) memory device, or any other device operative to store data.
  • the memory 304 is operable to store instructions executable by the processor 302. The functions, acts or tasks illustrated in the figures or described may be performed by the programmed processor 302 executing the instructions stored in the memory 304.
  • processing strategies may include multiprocessing, multitasking, parallel processing and the like.
  • the computer system 200 may or may not further include a display unit 310, such as a liquid crystal display (LCD), an organic light emitting diode (OLED), a flat panel display, a solid state display, a cathode ray tube (CRT), a projector, a printer or other now known or later developed display device for outputting determined information.
  • a display unit 310 such as a liquid crystal display (LCD), an organic light emitting diode (OLED), a flat panel display, a solid state display, a cathode ray tube (CRT), a projector, a printer or other now known or later developed display device for outputting determined information.
  • the display 310 may act as an interface for the user to see the functioning of the processor 302, or specifically as an interface with the software stored in the memory 304 or in the drive unit 316.
  • the computer system 200 may include an input device 312 configured to allow a user to interact with any of the components of system 200.
  • the input device 312 may be a number pad, a keyboard, or a cursor control device, such as a mouse, or a joystick, touch screen display, remote control or any other device operative to interact with the computer system 200.
  • the computer system 200 may also include a disk or optical drive unit 316.
  • the disk drive unit 316 may include a computer-readable medium 322 in which one or more sets of instructions 324, e.g. software, can be embedded. Further, the instructions 324 may embody one or more of the methods or logic as described. In a particular example, the instructions 324 may reside completely, or at least partially, within the memory 304 or within the processor 302 during execution by the computer system 200.
  • the memory 304 and the processor 302 also may include computer-readable media as discussed above.
  • the present invention contemplates a computer-readable medium that includes instructions 324 or receives and executes instructions 324 responsive to a propagated signal so that a device connected to a network 326 can communicate voice, video, audio, images or any other data over the network 326. Further, the instructions 324 may be transmitted or received over the network 326 via a communication port or interface 320 or using a bus 308.
  • the communication port or interface 320 may be a part of the processor 302 or may be a separate component.
  • the communication port 320 may be created in software or may be a physical connection in hardware.
  • the communication port 320 may be configured to connect with a network 326, external media, the display 310, or any other components in system 200, or combinations thereof.
  • connection with the network 326 may be a physical connection, such as a wired Ethernet connection or may be established wirelessly as discussed later. Likewise, the additional connections with other components of the system 300 may be physical connections or may be established wirelessly.
  • the network 326 may alternatively be directly connected to the bus 308.
  • the network 326 may include wired networks, wireless networks, Ethernet AVB networks, or combinations thereof.
  • the wireless network may be a cellular telephone network, an 802.11, 802.16, 802.20, 802.1Q or WiMax network.
  • the network 326 may be a public network, such as the Internet, a private network, such as an intranet, or combinations thereof, and may utilize a variety of networking protocols now available or later developed including, but not limited to TCP/IP based networking protocols.
  • dedicated hardware implementations such as application specific integrated circuits, programmable logic arrays and other hardware devices, can be constructed to implement various parts of the system 200.
  • Applications that may include the systems can broadly include a variety of electronic and computer systems.
  • One or more examples described may implement functions using two or more specific interconnected hardware modules or devices with related control and data signals that can be communicated between and through the modules, or as portions of an application-specific integrated circuit. Accordingly, the present system encompasses software, firmware, and hardware implementations.
  • the system described may be implemented by software programs executable by a computer system. Further, in a non-limited example, implementations can include distributed processing, component/object distributed processing, and parallel processing. Alternatively, virtual computer system processing can be constructed to implement various parts of the system.
  • the system is not limited to operation with any particular standards and protocols. For example, standards for Internet and other packet switched network transmission (e.g., TCP/IP, UDP/IP, HTML, HTTP) may be used. Such standards are periodically superseded by faster or more efficient equivalents having essentially the same functions. Accordingly, replacement standards and protocols having the same or similar functions as those disclosed are considered equivalents thereof.
  • the user 402 of home network 404 is attempting to register with the wireless communications system of the visited network 406. More particularly, vide step 502 the User 402 provides identification information to the visited networks' SMSC 408, which is provided during step 504 to the visited networks' GMSC 410.
  • the visited networks' GMSC seeks confirmation from Roaming Server 412 forming part of the visited network for a Roaming Agreement with the operator of the home network.
  • the visitor networks' GMSC 410 seeks permission from GMSC 414 of the home network 404 to permit roaming.
  • the GMSC 414 contacts in step 512 a home location register (HLR) 416 forming part of the home network 404 and obtains in step 514 a confirmation therefrom. Thereafter, in step 516 the GMSC 414 send a request to a roaming server 418.
  • the roaming server 418 may for example, check satisfaction of predetermined criteria and sends a request to provisioning system 420 in step 518.
  • the provisioning system 420 in turn sends the request to mobile money system 422 in step 520.
  • the mobile money system 422 determines details of the mobile money account corresponding to the subscriber and fetches an available balance.
  • the mobile money system 422 may be provided Mobile Subscriber Integrated Services Digital Network (MSISDN) number and/or Subscriber Identity Module (SIM) number of the subscriber for this purpose.
  • MSISDN Mobile Subscriber Integrated Services Digital Network
  • SIM Subscriber Identity Module
  • the mobile money system 422 may be also provided details of the visited network and on the basis of the same, the mobile money system determines a currency used in the visited network 406.
  • the mobile money system 422 in step 522 sends a request to a currency converter device 424 along with the available balance and in step 524 obtains therefrom a converted available balance, wherein the converted available balance is in the currency used in the visited network 406.
  • the mobile money system 422 in step 526 sends a request to a forex analytical device 426 and in step 528 obtains therefrom information pertaining to exchange rate trends.
  • the mobile money 422 sends the information which comprises an available balance and/or a converted available balance optionally along with the exchange rate trend information to the GMSC 414.
  • This step can include sending the information through the provisioning system 420 / roaming server 418 / SMSC 428, etc.
  • the GMSC 414 of the home network 404 sends in step 532 the information to the GMSC 410 of the visited network 406.
  • the GMSC 414 of the home network 404 sends the information to the GMSC 410 of the visited network 406 as part of the roaming network registration process. More particularly, this information is sent by the GMSC of the home network to GMSC of the visited network which providing an authorization to permit roaming along with other details (as is conventionally communicated).
  • the GMSC 410 of the visited network receives the authorization to permit roaming, it updates its system components such as HLR/VLR 430, etc. in steps 534 and 536 and finally sends in step 538 a welcome message to the SMSC 408 for delivery to the subscriber in step 540.
  • the information pertaining to available balance / converted available balance may be sent to the subscriber as part of the welcome message or may be delivered to the subscriber in the form of a separate message.
  • This mechanism is particularly beneficial in case the visited network also has a mobile money system 432 connected to the GMSC 410 via an appropriate provisioning system 434, as in such a scenario, the subscriber can interact with other subscribers having account in the mobile money system 432 and transfer the funds.

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  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Mobile Radio Communication Systems (AREA)

Abstract

La présente invention concerne un procédé et un dispositif destinés à être utilisés par un fournisseur de service téléphonique pour informer un abonné d'un solde disponible de son compte d'argent mobile en itinérance dans un réseau visité, le compte d'argent mobile étant maintenu dans un réseau domestique de l'abonné. L'invention améliore les investissements existants dans une infrastructure d'itinérance sans qu'aucun rôle supplémentaire du réseau d'abonné visitant ne soit nécessaire, notamment un besoin quelconque de systèmes d'argent mobile de fournisseur de réseau visité de communiquer avec les systèmes d'argent mobile du réseau domestique de l'abonné, ou inversement, soit directement, soit par le biais d'intermédiaires, soit par le biais d'agencements spéciaux quelconques, fournissant ainsi une expérience homogène. Le message d'informations contient le solde disponible d'argent mobile dans le réseau domestique dans la devise locale de la région géographique visitée. En outre, lorsque l'utilisateur est en itinérance dans une région géographique dont la devise locale diffère de sa devise nationale, les dernières tendances FOREX entre la devise nationale et une devise locale seront fournies conjointement avec le message susmentionné.
PCT/IB2015/052187 2014-03-27 2015-03-25 Procédé et dispositif permettant d'informer un abonné du solde disponible d'un compte d'argent mobile en itinérance WO2015145366A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IN886/DEL/2014 2014-03-27
IN886DE2014 2014-03-27

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WO2015145366A1 true WO2015145366A1 (fr) 2015-10-01

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19805261A1 (de) * 1998-02-10 1999-08-12 Deutsche Telekom Mobil Verfahren zur Erkennung einer Internationalen Roaming-Beziehung
US6920487B2 (en) * 1999-12-22 2005-07-19 Starhome Gmbh System and methods for global access to services for mobile telephone subscribers
US20090018816A1 (en) * 2005-09-30 2009-01-15 Rogier August Noldus Method and communication network for providing announcements in preferred language while roaming

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19805261A1 (de) * 1998-02-10 1999-08-12 Deutsche Telekom Mobil Verfahren zur Erkennung einer Internationalen Roaming-Beziehung
US6920487B2 (en) * 1999-12-22 2005-07-19 Starhome Gmbh System and methods for global access to services for mobile telephone subscribers
US20090018816A1 (en) * 2005-09-30 2009-01-15 Rogier August Noldus Method and communication network for providing announcements in preferred language while roaming

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